Commercial insurance offers protection for businesses of all shapes and sizes against a variety of potential losses. Some of the most common forms of commercial insurance coverage include property damage, theft, and injury liability. However, when you start your own business in Wheat Ridge, CO, you never know what kind of protection you need. This is where CO Insurance Specialist comes in. 

As you search for a business insurance policy, you will want to be familiar with some of the main features of a policy. 

Liability Insurance

Commercial liability insurance is designed to protect you from damages caused by your business. It will cover injury costs and legal expenses if a lawsuit is brought against you. It will also cover property damage that occurs as a result of your products or on your commercial property.

Property Insurance

Commercial property insurance protects you from damages and losses to the business property. Some of the most common covered perils include fire, flood, and theft. 

Workers’ Compensation Insurance

Commercial workers’ comp is designed to provide protection for your company in the event that a staff member of yours suffers an injury while on the job. It also offers protection against lawsuits claiming negligence for injuries that occurred to an employee during working hours.

Auto Insurance

Commercial auto insurance is necessary for companies that have a fleet of vehicles that are used for business purposes. This is true even if you only have one vehicle designated for business. This insurance offers coverage for property damage, bodily injury liability, uninsured motorist, collision, medical payments, and more.

If you currently do not have commercial insurance, contact CO Insurance Specialist, serving Wheat Ridge, CO.